CREDIT AGREEMENT

Loan Agreement

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This Loan Agreement involves

BANK OF AMERICA, N.A. | RBS CITIZENS, NATIONAL ASSOCIATION | SUMMER INFANT (USA), INC | SUMMER INFANT ASIA LIMITED | SUMMER INFANT CANADA, LIMITED | SUMMER INFANT EUROPE LIMITED | SUMMER INFANT, INC

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Title: CREDIT AGREEMENT
Governing Law: Rhode Island Date: 5/12/2008

CREDIT AGREEMENT, Parties: bank of america n.a. , rbs citizens national association , summer infant (usa) inc , summer infant asia limited , summer infant canada limited , summer infant europe limited , summer infant inc

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Exhibit 10.20

CREDIT AGREEMENT

Dated as of April 10, 2008
among

SUMMER INFANT, INC.,
SUMMER INFANT (USA), INC.,
SUMMER INFANT EUROPE LIMITED,
SUMMER INFANT ASIA LIMITED,
SUMMER INFANT CANADA, LIMITED,
as Borrowers,
BANK OF AMERICA, N.A.,
as Administrative Agent, Swing Line Lender and L/C Issuer,
and
The Other Lenders Party Hereto

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